Банковские приложения для смартфонов и снижение барьеров цифровой финансовой интеграции: сдерживающая роль поведенческих намерений (на примере Ирака)

   При внедрении цифровой финансовой интеграции с использованием цифровых приложений в банковском секторе Ирака поведенческие намерения пользователей и принятие ими цифровых приложений являются ключевыми факторами для преодоления барьеров финансовой интеграции. В данном исследовании рассматривается и обсуждается роль мобильного банкинга как нового тренда для расширения финансовой интеграции путем тестирования влияния поведенческих намерений клиентов (в качестве модифицированной переменной) на роль банковских приложений для смартфонов для преодоления барьеров цифровой финансовой интеграции в Республике Ирак. В исследовании использовались две модели: модель единой теории принятия и использования технологий (UTAUT) и модель многомерного индекса финансовой интеграции (с акцентом на измерение барьеров).

   Основная цель — улучшить понимание того, как приложения для смартфонов преодолевают барьеры на пути к цифровой финансовой интеграции.

   Исследователи собрали данные опроса от 338 участников — клиентов иракских банков в муниципалитете Багдада. После исключения 10 недействительных ответов, 328 (92 %) были протестированы и проанализированы с помощью программного обеспечения SPSS. Результаты двух гипотез показали, что, по мнению респондентов, четыре составляющие модели UTAUT (PE, EE, SI и FC) являются ключевыми для цифровой финансовой интеграции и преодолевают ее барьеры. Кроме того, положительные поведенческие намерения клиентов банков в муниципалитете Багдада в отношении использования цифровых приложений играют важную роль в повышении эффективности мобильных банковских приложений для преодоления барьеров цифровой финансовой интеграции. Таким образом, по результатам исследования рекомендуется иракским банкам, имеющим банковские приложения, развивать и совершенствовать эти приложения для расширения и диверсификации своих операций на мобильных платформах, что позволит охватить более широкие категории иракского общества и побудить их использовать банковские приложения для покупки товаров и проведения транзакций.

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